We put everything on the cards rather than carrying cash around, and pay in full every month. Spend the same either way, and get the points too.
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It also helps to be rich.
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Financial advice not your forte, get back in your lane. If you run everything through a charge card, you can rack up hundreds or even thousands in cash back. You can pay it off every month. Such payments are not debt payments, since no interest charges.
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That is the best way - went from no credit at 24 to 810 within 4 years by simply purchasing stuff I was gonna buy with cash anyway and paying it off the same day on the Chase App - helped me get my last apartment and only had to give half security deposit bc credit was so good
End of conversation
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credit cards are a valuable tool, but like with any tool it can be used improperly
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Some of the best advice you could give people at a young age. Stay away from credit cards they are a trap that allow you to spend money you don’t have.
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"Credit" is chain of economic slavery.
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